HealthiNomad Premium Index
International Health Insurance Cost Index (September 2026)
In September 2026, international health insurance for a 32-year-old expat cost a median of £247 a month across 176 countries, from £208 in Chad to £545 in Hong Kong. Figures are indicative, from real quotes by 14 international insurers taken 2026-09-24. They cover inpatient and outpatient care on a mid-level plan, worldwide excluding the USA. Your age, medical history, plan and deductible change the price.
Want a country breakdown? Find your country in the table below or open its cost guide.
£247
Median a month
across 176 countries
£545
Hong Kong
most expensive
£208
Chad
least expensive
14
Insurers quoted
quotes taken 2026-09-24
East Asia
£307
Americas
£295
South Asia and Middle East
£279
Europe
£259
Southeast Asia
£247
Oceania and Africa
£223
Expat and nomad hubs by region
Indicative monthly premium at age 32. Typical is the 25th to 75th percentile of the insurer quotes.
| Country | Typical | Median | Cheapest | Plans quoted |
|---|---|---|---|---|
| Thailand | £219 to £324 | £275 | £161 | 15 |
| Vietnam | £198 to £291 | £247 | £164 | 13 |
| Malaysia | £198 to £288 | £247 | £118 | 15 |
| Indonesia | £198 to £321 | £269 | £157 | 13 |
| Philippines | £201 to £277 | £244 | £135 | 13 |
| Cambodia | £219 to £288 | £247 | £181 | 13 |
| Singapore | £336 to £596 | £428 | £181 | 13 |
| Country | Typical | Median | Cheapest | Plans quoted |
|---|---|---|---|---|
| Hong Kong | £478 to £609 | £545 | £181 | 13 |
| Japan | £251 to £398 | £291 | £181 | 13 |
| South Korea | £247 to £453 | £307 | £181 | 12 |
| Taiwan | £244 to £324 | £283 | £164 | 12 |
| China | £276 to £596 | £439 | £181 | 12 |
| Country | Typical | Median | Cheapest | Plans quoted |
|---|---|---|---|---|
| India | £198 to £277 | £249 | £145 | 14 |
| UAE | £279 to £463 | £368 | £144 | 13 |
| Qatar | £247 to £416 | £281 | £181 | 12 |
| Saudi Arabia | £247 to £467 | £279 | £181 | 11 |
| Turkey | £240 to £321 | £271 | £181 | 13 |
| Country | Typical | Median | Cheapest | Plans quoted |
|---|---|---|---|---|
| Portugal | £181 to £335 | £259 | £156 | 14 |
| Spain | £215 to £321 | £275 | £164 | 13 |
| France | £181 to £312 | £259 | £135 | 14 |
| Germany | £181 to £339 | £259 | £121 | 14 |
| Italy | £181 to £335 | £259 | £157 | 14 |
| Greece | £215 to £321 | £271 | £157 | 13 |
| Croatia | £181 to £276 | £237 | £118 | 14 |
| Netherlands | £215 to £285 | £247 | £102 | 13 |
| Switzerland | £241 to £493 | £247 | £175 | 11 |
| United Kingdom | £225 to £488 | £312 | £181 | 12 |
| Ireland | £215 to £312 | £271 | £137 | 11 |
| Country | Typical | Median | Cheapest | Plans quoted |
|---|---|---|---|---|
| Mexico | £291 to £512 | £336 | £181 | 12 |
| Colombia | £229 to £315 | £278 | £181 | 12 |
| Costa Rica | £241 to £334 | £263 | £181 | 12 |
| Brazil | £275 to £512 | £343 | £156 | 13 |
| Argentina | £208 to £317 | £295 | £156 | 12 |
| Panama | £241 to £334 | £263 | £181 | 12 |
| Canada | £279 to £463 | £326 | £159 | 9 |
| Country | Typical | Median | Cheapest | Plans quoted |
|---|---|---|---|---|
| Australia | £212 to £463 | £330 | £163 | 14 |
| New Zealand | £243 to £423 | £339 | £163 | 13 |
| South Africa | £198 to £279 | £212 | £138 | 13 |
| Kenya | £198 to £279 | £212 | £130 | 13 |
| Egypt | £208 to £251 | £223 | £110 | 13 |
Most and least expensive countries
Countries with at least 10 insurer quotes. The bar shows the typical range, the dot the median.
All 176 countries
The full index, cheapest median first. Indicative monthly premium at age 32 in GBP, quotes taken 2026-09-24.
Show all 176 countries
| Country | Typical | Median | Cheapest | Plans quoted |
|---|---|---|---|---|
| Eswatini | £198 to £212 | £205 | £181 | 4 |
| Chad | £185 to £248 | £208 | £145 | 12 |
| Tanzania | £198 to £223 | £210 | £135 | 12 |
| Côte d'Ivoire | £198 to £251 | £211 | £181 | 8 |
| Algeria | £198 to £251 | £212 | £135 | 13 |
| Angola | £185 to £248 | £212 | £135 | 13 |
| Benin | £185 to £251 | £212 | £145 | 13 |
| Botswana | £185 to £251 | £212 | £145 | 13 |
| Cameroon | £185 to £251 | £212 | £145 | 13 |
| Djibouti | £185 to £251 | £212 | £145 | 13 |
| Eritrea | £198 to £248 | £212 | £166 | 11 |
| Ethiopia | £185 to £251 | £212 | £135 | 13 |
| Gambia | £185 to £251 | £212 | £145 | 13 |
| Guinea | £185 to £251 | £212 | £145 | 13 |
| Guinea-Bissau | £185 to £251 | £212 | £145 | 11 |
| Kenya | £198 to £279 | £212 | £130 | 13 |
| Madagascar | £185 to £251 | £212 | £145 | 13 |
| Mali | £185 to £251 | £212 | £135 | 13 |
| South Africa | £198 to £279 | £212 | £138 | 13 |
| Togo | £185 to £251 | £212 | £145 | 13 |
| Mozambique | £198 to £248 | £213 | £166 | 12 |
| Kosovo | £181 to £263 | £216 | £119 | 8 |
| Ghana | £198 to £248 | £217 | £166 | 12 |
| Nigeria | £206 to £248 | £217 | £181 | 12 |
| Gabon | £185 to £248 | £218 | £163 | 12 |
| Lesotho | £185 to £248 | £218 | £163 | 12 |
| Liberia | £198 to £251 | £218 | £166 | 12 |
| Malawi | £198 to £251 | £218 | £166 | 12 |
| Morocco | £208 to £251 | £218 | £166 | 12 |
| Seychelles | £198 to £279 | £218 | £166 | 12 |
| Sierra Leone | £198 to £251 | £218 | £166 | 12 |
| Tunisia | £208 to £251 | £218 | £166 | 12 |
| Uganda | £198 to £251 | £218 | £166 | 12 |
| Zambia | £198 to £251 | £218 | £166 | 12 |
| Brunei | £204 to £276 | £219 | £145 | 11 |
| Burkina Faso | £185 to £251 | £223 | £163 | 13 |
| Burundi | £185 to £251 | £223 | £163 | 13 |
| Czechia | £181 to £285 | £223 | £118 | 13 |
| Egypt | £208 to £251 | £223 | £110 | 13 |
| Equatorial Guinea | £185 to £251 | £223 | £163 | 13 |
| Namibia | £185 to £251 | £223 | £163 | 13 |
| Niger | £185 to £251 | £223 | £163 | 13 |
| Rwanda | £185 to £251 | £223 | £163 | 13 |
| Senegal | £185 to £251 | £223 | £163 | 13 |
| Zimbabwe | £198 to £300 | £223 | £166 | 11 |
| Central African Republic | £185 to £251 | £227 | £163 | 12 |
| Mauritania | £185 to £251 | £230 | £145 | 12 |
| Mauritius | £198 to £251 | £230 | £166 | 12 |
| Poland | £181 to £276 | £234 | £111 | 14 |
| Romania | £181 to £276 | £234 | £118 | 14 |
| Slovakia | £181 to £276 | £234 | £119 | 14 |
| South Sudan | £185 to £300 | £236 | £181 | 6 |
| Somalia | £185 to £300 | £236 | £166 | 10 |
| Sudan | £185 to £300 | £236 | £166 | 10 |
| Croatia | £181 to £276 | £237 | £118 | 14 |
| Slovenia | £181 to £276 | £237 | £119 | 14 |
| Congo | £181 to £300 | £241 | £181 | 2 |
| Belarus | £181 to £277 | £244 | £163 | 10 |
| Bhutan | £212 to £251 | £244 | £163 | 12 |
| Bulgaria | £181 to £285 | £244 | £122 | 14 |
| Hungary | £181 to £285 | £244 | £119 | 14 |
| Maldives | £223 to £324 | £244 | £163 | 13 |
| Myanmar | £219 to £324 | £244 | £181 | 9 |
| Nepal | £219 to £288 | £244 | £163 | 13 |
| Pakistan | £215 to £288 | £244 | £181 | 12 |
| Philippines | £201 to £277 | £244 | £135 | 13 |
| Sri Lanka | £211 to £288 | £244 | £164 | 13 |
| Ukraine | £181 to £285 | £244 | £163 | 10 |
| Bangladesh | £241 to £288 | £246 | £181 | 12 |
| Laos | £198 to £276 | £246 | £163 | 10 |
| Libya | £198 to £279 | £246 | £163 | 12 |
| Mongolia | £241 to £288 | £246 | £181 | 12 |
| Solomon Islands | £243 to £319 | £246 | £163 | 12 |
| Azerbaijan | £198 to £277 | £247 | £145 | 13 |
| Cambodia | £219 to £288 | £247 | £181 | 13 |
| Estonia | £181 to £285 | £247 | £120 | 14 |
| Kazakhstan | £198 to £288 | £247 | £145 | 13 |
| Kyrgyzstan | £198 to £288 | £247 | £163 | 12 |
| Latvia | £181 to £285 | £247 | £120 | 14 |
| Lithuania | £181 to £285 | £247 | £120 | 14 |
| Malaysia | £198 to £288 | £247 | £118 | 15 |
| Moldova | £185 to £277 | £247 | £163 | 12 |
| Netherlands | £215 to £285 | £247 | £102 | 13 |
| Norway | £215 to £285 | £247 | £102 | 13 |
| Switzerland | £241 to £493 | £247 | £175 | 11 |
| Tajikistan | £198 to £288 | £247 | £163 | 13 |
| Turkmenistan | £198 to £288 | £247 | £163 | 13 |
| Uzbekistan | £198 to £288 | £247 | £163 | 13 |
| Vietnam | £198 to £291 | £247 | £164 | 13 |
| Yemen | £241 to £373 | £247 | £181 | 11 |
| Afghanistan | £204 to £288 | £248 | £145 | 12 |
| Papua New Guinea | £212 to £324 | £248 | £145 | 12 |
| Timor-Leste | £244 to £288 | £248 | £181 | 8 |
| Austria | £181 to £339 | £249 | £121 | 14 |
| Belgium | £181 to £312 | £249 | £128 | 14 |
| Denmark | £181 to £285 | £249 | £119 | 14 |
| Finland | £181 to £339 | £249 | £120 | 14 |
| Iceland | £181 to £285 | £249 | £119 | 14 |
| India | £198 to £277 | £249 | £145 | 14 |
| Luxembourg | £181 to £285 | £249 | £119 | 14 |
| Sweden | £181 to £285 | £249 | £119 | 14 |
| Vanuatu | £243 to £324 | £249 | £163 | 12 |
| Lebanon | £240 to £353 | £250 | £181 | 12 |
| Albania | £185 to £276 | £251 | £119 | 13 |
| Armenia | £219 to £285 | £251 | £163 | 13 |
| Fiji | £243 to £343 | £251 | £163 | 13 |
| Georgia | £219 to £285 | £251 | £163 | 13 |
| Montenegro | £185 to £285 | £251 | £163 | 13 |
| Serbia | £185 to £285 | £251 | £163 | 13 |
| DR Congo | £212 to £300 | £256 | £181 | 4 |
| Jordan | £240 to £353 | £256 | £181 | 12 |
| Macedonia | £185 to £271 | £257 | £181 | 6 |
| Oman | £247 to £373 | £257 | £181 | 12 |
| France | £181 to £312 | £259 | £135 | 14 |
| Germany | £181 to £339 | £259 | £121 | 14 |
| Italy | £181 to £335 | £259 | £157 | 14 |
| Portugal | £181 to £335 | £259 | £156 | 14 |
| Bosnia and Herzegovina | £181 to £276 | £261 | £119 | 6 |
| Iran | £240 to £353 | £262 | £181 | 6 |
| Syria | £240 to £353 | £262 | £181 | 6 |
| Venezuela | £229 to £353 | £262 | £181 | 10 |
| Costa Rica | £241 to £334 | £263 | £181 | 12 |
| Dominican Republic | £241 to £334 | £263 | £181 | 12 |
| El Salvador | £241 to £334 | £263 | £181 | 12 |
| Iraq | £240 to £312 | £263 | £181 | 12 |
| Macau | £201 to £291 | £263 | £181 | 10 |
| Panama | £241 to £334 | £263 | £181 | 12 |
| Russia | £241 to £285 | £263 | £181 | 8 |
| Kuwait | £240 to £353 | £264 | £181 | 12 |
| Indonesia | £198 to £321 | £269 | £157 | 13 |
| Bahrain | £247 to £373 | £271 | £181 | 12 |
| Greece | £215 to £321 | £271 | £157 | 13 |
| Ireland | £215 to £312 | £271 | £137 | 11 |
| Malta | £215 to £285 | £271 | £119 | 13 |
| Turkey | £240 to £321 | £271 | £181 | 13 |
| Cyprus | £240 to £312 | £275 | £140 | 12 |
| Spain | £215 to £321 | £275 | £164 | 13 |
| Thailand | £219 to £324 | £275 | £161 | 15 |
| Colombia | £229 to £315 | £278 | £181 | 12 |
| Bahamas | £244 to £429 | £279 | £181 | 11 |
| Barbados | £244 to £429 | £279 | £181 | 11 |
| Bolivia | £241 to £353 | £279 | £181 | 11 |
| Cayman Islands | £247 to £353 | £279 | £181 | 11 |
| Guyana | £241 to £343 | £279 | £181 | 11 |
| Saudi Arabia | £247 to £467 | £279 | £181 | 11 |
| Qatar | £247 to £416 | £281 | £181 | 12 |
| Taiwan | £244 to £324 | £283 | £164 | 12 |
| Japan | £251 to £398 | £291 | £181 | 13 |
| Argentina | £208 to £317 | £295 | £156 | 12 |
| Belize | £244 to £343 | £295 | £181 | 12 |
| Chile | £229 to £353 | £295 | £181 | 12 |
| Jamaica | £244 to £343 | £295 | £181 | 12 |
| Nicaragua | £244 to £343 | £295 | £181 | 12 |
| Paraguay | £241 to £334 | £295 | £181 | 12 |
| Peru | £241 to £317 | £295 | £156 | 12 |
| Suriname | £244 to £343 | £295 | £181 | 12 |
| Uruguay | £229 to £334 | £295 | £181 | 12 |
| Guatemala | £244 to £334 | £296 | £181 | 12 |
| Cuba | £244 to £343 | £307 | £181 | 8 |
| South Korea | £247 to £453 | £307 | £181 | 12 |
| Trinidad and Tobago | £229 to £353 | £307 | £181 | 6 |
| Israel | £249 to £463 | £312 | £181 | 11 |
| United Kingdom | £225 to £488 | £312 | £181 | 12 |
| Ecuador | £244 to £343 | £313 | £181 | 12 |
| Bermuda | £241 to £463 | £316 | £181 | 10 |
| Honduras | £247 to £343 | £316 | £181 | 12 |
| Haiti | £247 to £343 | £321 | £181 | 12 |
| Canada | £279 to £463 | £326 | £159 | 9 |
| Australia | £212 to £463 | £330 | £163 | 14 |
| Mexico | £291 to £512 | £336 | £181 | 12 |
| New Zealand | £243 to £423 | £339 | £163 | 13 |
| Brazil | £275 to £512 | £343 | £156 | 13 |
| UAE | £279 to £463 | £368 | £144 | 13 |
| Singapore | £336 to £596 | £428 | £181 | 13 |
| China | £276 to £596 | £439 | £181 | 12 |
| Hong Kong | £478 to £609 | £545 | £181 | 13 |
Method
On 2026-09-24 we requested quotes through live insurer rate engines for one standard profile in every country: Age 32, inpatient and outpatient, mid tier, worldwide excluding USA, monthly GBP. For each insurer we took the cheapest mid-level plan, then calculated the 25th percentile, median, 75th percentile and cheapest price per country. The USA is excluded because the profile excludes USA cover, and the most and least expensive rankings only include countries with at least 10 insurer quotes. Prices are indicative: the insurer confirms the final premium after underwriting. The full table for every country is on the cost map and in the table above.
Cite this index
You may quote individual figures with credit to HealthiNomad and a link to this page. The full dataset may not be copied or republished.
HealthiNomad Premium Index, September 2026. https://healthinomad.com/health-insurance-cost-index
Press and data questions: quotes@healthinomad.com.
Common questions
- How much does international health insurance cost for expats?
- In September 2026, the typical (median) indicative premium for a 32-year-old expat was £247 a month across 176 countries, for inpatient and outpatient cover on a mid-level plan, worldwide excluding the USA. It ranged from £208 in Chad to £545 in Hong Kong.
- Which countries are the most expensive for expat health insurance?
- By median indicative premium at age 32: Hong Kong (£545 a month), China (£439 a month), Singapore (£428 a month), UAE (£368 a month), Brazil (£343 a month).
- Which countries are the cheapest for expat health insurance?
- By median indicative premium at age 32: Chad (£208 a month), Tanzania (£210 a month), Algeria (£212 a month), Angola (£212 a month), Benin (£212 a month).
- Where do these figures come from?
- From real quotes by 14 international insurers, taken through live rate engines on 2026-09-24 for one standard profile, using the cheapest mid-level plan from each insurer. They are indicative: your own price depends on age, health, plan and deductible.
- Can I use these figures?
- Yes. You may quote individual figures with credit to HealthiNomad and a link to this page. The full dataset may not be copied or republished.